摘要
促进农民稳步增收是乡村振兴战略的工作重点之一,数字经济的创新发展为此提供了新的可能,研究数字普惠金融对农民收入的影响值得关注。本文基于数字基础和城镇化视角,以广东省为例,利用2011—2020年各地级市数据,运用OLS模型、分位数回归和调节效应模型,探讨了数字普惠金融对农民收入的作用效果。结果表明,数字普惠金融呈现快速增长态势,变异系数逐步缩小,区域间差距发展趋于均衡;农村居民收入呈现平稳增长态势,变异系数稳定在0.3左右,但经济欠发达的粤东西北与珠三角存在显著差距。数字普惠金融整体上有效促进了农民增收,且具有非线性特征,其子维度覆盖广度、使用深度和数字化程度均对农民收入具有正向促进作用,但作用效果逐步递减。异质性检验显示数字普惠金融在高收入农民群体和珠三角地区的作用效果更为显著。此外,数字基础和城镇化水平的提升强化了数字普惠金融对农民收入的促进作用。因此,基于帮助低收入农户实现共同富裕的角度考虑,提出应积极推进农村数字普惠金融发展,因地制宜发展数字普惠金融,完善欠发达地区数字普惠金融基础设施建设,推动城乡融合发展,优化金融资源配置等建议。
Promoting the steady increase of farmers’income is one of the priorities of the rural revitalization strategy and the innovative development of the digital economy provides new possibilities for this purpose.Therefore,it is necessary to study the impact of digital inclusive finance on farmers’income.From the perspectives of digital infrastructure and urbanization,based on a data of cities from 2011 to 2020 in Guangdong Province,this paper analyzed the effects of digital inclusive finance on farmers’income by the OLS model,quantile regression and adjustment effect model.Results show that digital inclusive finance had a rapid growth trend,the coefficient of variation was gradually decreasing,the development of inter-regional disparities was relatively balanced,the income of rural residents showed a stable growth,the coefficient of variation was at around 0.3,and there was a significant gap between Pearl River Delta and other less economically regions.Digital inclusive finance has effectively promoted farmers’income and had non-linear characteristics with its sub-dimensions.The breadth of coverage,depth of use,and degree of digitalization contributed positively to farmers’income with a gradual diminishing trend.The heterogeneity test showed that the effect was more significant among high-income farmers and in Pearl River Delta region.In addition,the improvement of the digital infrastructure and urbanization level has strengthened the role of digital inclusive finance in promoting farmers’income.Therefore,according to the consideration of helping low-income farmers to achieve common prosperity,this paper provides the following suggestions:actively promoting the development of digital inclusive finance in rural areas,developing digital inclusive finance according to local conditions,improving digital inclusive finance infrastructure in less developed areas,promoting urban-rural integration,and optimally allocating financial resources.
作者
刘心怡
张伟
陈小知
LIU Xin-yi;ZHANG Wei;CHEN Xiao-zhi(School of Economics&Trade,Guangdong University of Finance,Guangzhou,Guangdong 510320,China;School of Insurance,Guangdong University of Finance,Guangzhou,Guangdong 510320,China;South China Institute of Innovative Finance,Guangdong University of Finance,Guangzhou,Guangdong 510320,China)
出处
《农业现代化研究》
CSCD
北大核心
2022年第6期984-994,共11页
Research of Agricultural Modernization
基金
国家自然科学基金项目(72003047,71973034)
广东省普通高校创新团队项目(2021WCXTD011)。
关键词
数字普惠金融
农民收入
数字基础
城镇化
调节效应
digital inclusive finance
farmers’income
digital infrastructure
urbanization
moderating effect
